How a Car Insurance Calculator Can Help You Get Cheaper Rates in Kansas

Kansas requires drivers to carry at least the state minimum liability coverage, which covers bodily injury (BI), property damage and personal injury protection (PIP). Many drivers also opt for collision and comprehensive policies as additional options, which will affect how much their car insurance costs in Kansas.

Kansas residents can anticipate paying an average annual premium of $1,508 for full coverage car insurance premiums according to NerdWallet’s car insurance calculator. Your premiums could differ based on several factors including coverage level, driving history and location – see the table below for estimated cheap car insurance estimates for various coverage levels along with monthly and annual costs in Kansas.

Kansas drivers must carry at least the following minimum coverage amounts for bodily injury per person, $25,000 property damage and $10,000 uninsured/underinsured motorist: $50,000 per person for bodily injury and $25,000 property damage per accident as well as uninsured/underinsured motorist coverage (if found responsible in an accident that exceeds these amounts, out-of-pocket payments up to this maximum are necessary. Your lender may require additional coverage above these minimum requirements).

Your age and gender both play a significant role in determining your car insurance rates in Kansas. Younger male drivers often pay higher premiums due to being at greater risk for accidents; older drivers may see their premiums decrease with increased experience behind the wheel.

Your credit score plays an essential role in your rate in Kansas. Carriers utilize this measure to assess risk. Drivers with poor credit typically pay more; working on improving it could save a substantial sum over time.

Other factors that could increase your rates include multiple at-fault accidents in recent years and the type of car you drive. Furthermore, having been charged with DUI or speeding tickets could increase your premium in Kansas.

While certain states have laws prohibiting insurers from considering factors like these when setting rates, Kansas law permits them to consider all of them when setting premiums: